I dread to think how much Maldonado's premium is. 

 

Exactly the disclosure form wouldn't be long enough for him to list all of his accidents although do they ever end in a claim lol

Well, I am glad that any track work I do is uninsured.  I can cover the cost of repairs to my own car in that scenario and would hate to end up actually having to be concerned at possible road premiums going up if I made a claim (on the unlikely scenario I actually take out a policy) for a trackday accident.

 

Remember the ring is specifically excluded on UK insurance Jason and you pay for reinstatement of armco, dealing with any oil/fluid spills, recovery back to the car park and loss of revenue (If its a big crash) and most likely any initial medical treatment. Also you are more likely to be caught up in someone else's accident then your own.

 

Having said all that I've done it in a car on a motorcycle and in the Ring Taxi, some of us never learn do we! 

Edited 2 July, 201511 yr by Prykey

Just to echo what CK have said really, insurers ask for any accidents, claims or losses, on any vehicle, regardless of fault within the last 5 years - better to be safe than sorry. 

 

If you were to non-disclose it and the insurers find out, you could end up with either an additional premium to pay or worse still having the policy void for non-disclosure.

 

Dan

How would you know they had a claim through track day insurance though?

 

Normal car insurance all state that they 'don't cover for track day use etc', so in my view it's showing that they don't want anything to do with it.

 

If you do claim through a track day insurance then why would your normal insurance need to no as they have stated that they don't insure you in the first place? Clearly just another excuse to hike up the price.

I'd always assumed this was an add on that was totally separate to the normal road policy, since the track was clearly off road and road insurance is just that, for the road and about your road history. It sounds like even people who have had offs on the track need to declare them to their normal road insurance as a accident, even if they haven claimed. 

Remember the ring is specifically excluded on UK insurance Jason and you pay for reinstatement of armco, dealing with any oil/fluid spills, recovery back to the car park and loss of revenue (If its a big crash) and most likely any initial medical treatment. Also you are more likely to be caught up in someone else's accident then your own.

 

Having said all that I've done it in a car on a motorcycle and in the Ring Taxi, some of us never learn do we! 

 

Having done several trips I am well aware of the whole Nordschleife thing, although conveniently it is not mentioned as an exclusion on my policy.  I have checked all the small print.

Having done several trips I am well aware of the whole Nordschleife thing, although conveniently it is not mentioned as an exclusion on my policy. I have checked all the small print.

What? Me? Honest guv I thought it was a toll road

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no, there is no need to declare that as its off road use and a separate policy for that off road activity.  You do not declare a travel insurance claim or a household insurance claim as they are unrelated. I'm sorry but the above insurance brokers have given you duff information as an underwriter can only use information relating to the activity they are insuring. the relevance of trackday payout is of no concern to an insurer as there is no liability to them as they do not cover it.

Thanks for your opinion but actually we checked with the insurers before answering the question and they DO require notification of such claims.

 

 But then i hardly expect any different when you look how uncompliant their own paperwork is, especially chris knott.  They have a lovely question that asks " is there anything else that you have not told us that would affect an underwriters decision"  lovely question which takes the **** out of disclosure rules and how the hell would an unqualified customer know the underwriting rules and risk factors of an insurer, they are just an end user and not the professional int he relationship.  Flies in the face of TCF rules big style.

Please be careful here. Whose paperwork? Ours, or the insurer's proposal form? Suggest we take this up via PM if you have further comments to make.

 

So to OP, you do not need to declare that accident unless the insurer clearly states which policies or types of policies it wants declarations for, until that point it is ok to assume that it relates to Road traffic claims.

Have already stated that our insurers would want to know about this. Please don't ask for professional opinion on issues and then attack the advice. Like it or not, that is the insurers' response to the question asked by the OP.

I don't dispute the fact, or blame the brokers, that what is being requested is coming from the insurance companies themselves. They can request any pertinent questions that they feel would alter the premiums or level of cover they insure, or if they want to insure at all. It's a business after all.

What I do find worrying is that insurance companies usually exclude any track activity from their cover, yet are now insisting you inform them of any claims that you make from an activity you have to insure separately. This seems morally wrong.

The rules and regulations on track are not governed by the sames laws that are on the highways, and as such the behaviour of people are different. The aim of certain track days is to be the quickest on the track. People attending these are probably safer drivers on the road as they are identifying the need to separate speed and danger from the roads and track, and shouldn't be punished for doing so.

Where does the line end? Do you need to inform your insurers of any non-claim accidents on track, even just attending tracks days may be deemed that you have a tendency to speed or race.

I go back to my original statement, insurers should be able to ask pertinent questions, I don't believe requesting claims for track days for road use car insurance as a pertinent question

Could the same happen the other way round, should track day insurance companys ask if you have any claims on the everyday Insurance and therefor will your track day insurance go up if you have had a claim    They might deem you not fit for the track

Well, I am glad that any track work I do is uninsured.  I can cover the cost of repairs to my own car in that scenario and would hate to end up actually having to be concerned at possible road premiums going up if I made a claim (on the unlikely scenario I actually take out a policy) for a trackday accident.

 

Thinking out loud here Jason (not a personal attack just raising the question) *if* there was an incident on track between yourself and me. What would happen? You would fund fixing your car and the other party do the same? Or does it depend on the scenario?

 

I was also totally gobsmacked at the answers from the insurance companies. Always thought that was the whole reason that there was track day insurance! I guess they wish to look at the whole bigger picture.

Thinking out loud here Jason (not a personal attack just raising the question) *if* there was an incident on track between yourself and me. What would happen? You would fund fixing your car and the other party do the same? Or does it depend on the scenario?

You go on track knowing that you are responsible for repairing your own car / and any track fixings only. Insurance covers you for this eventuality.

So this is interesting in the way the insurers are requesting the info. You could be a complete kn0b in a banger, without the need for insurance, and have a couple of big hits and still have a 'clean' record.

So this is interesting in the way the insurers are requesting the info. You could be a complete kn0b in a banger, without the need for insurance, and have a couple of big hits and still have a 'clean' record.

 

From the info posted so far they need to know about 'ANY accident in ANY vehicle', so even someone whos had a small off on the track needs to needs to notify their insurance! Bizarre. 

From the info posted so far they need to know about 'ANY accident in ANY vehicle', so even someone whos had a small off on the track needs to needs to notify their insurance! Bizarre.

It's a scam to give them an excuse to extort more money out of us

My brother in law is a banger racer,( Minis) the engines are handbuilt and worth a lot of money ,but not so the cars, none of them have trackday insurance, they just fix their own cars, if someone hits them he said its tough luck, his dad also races and hasn't finished a race this season as hes been hit every race, good knows what the insurance think of them ! Do I need to declare an off with my scalextric 

 The aim of certain track days is to be the quickest on the track. People attending these are probably safer drivers on the road as they are identifying the need to separate speed and danger from the roads and track, and shouldn't be punished for doing so.

 

I don't think you can draw any conclusions like that at all.

I could claim that people who think they are driving gods on track are more likely to think this gives them the right to drive in a similar fashion on the roads.

I don't think you can draw any conclusions like that at all.

I could claim that people who think they are driving gods on track are more likely to think this gives them the right to drive in a similar fashion on the roads.

Have you done any track days?

.

Have you done any track days?

Have you seen the Ginetta driver?

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Have you seen the Ginetta driver?

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Are we tslking one particular driver or the general Ginetta Drivers?

Are we tslking one particular driver or the general Ginetta Drivers?

The one that this thread is in relation to.

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That's two different vehicles then isn't it? I don't see how insurance on one car, can affect your insurance on another vehicle, unless they were maybe linked by multicar or something, but then the track car wouldn't be as not road legal / used on highway?

As above

Slightly different,but......

When I bought me van few months ago the insurance wanted to know the bad things(wifeys fault claims) but not honour my 20years+ no claims bonus as it was on another vehicle

Basically just pick and choosing to keep the premium up

From what I can tell here the op would probably be better off just disclosing everything,ridiculous as it seems

Might just save him getting shafted somewhere down the line

The one that this thread is in relation to.

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Btw what happened at Rockingham there?

I was there but didn't see the accident

Btw what happened at Rockingham there?

I was there but didn't see the accident

Wasn't there but from what I heard he tried to go for a gap that wasn't there

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Wasn't there but from what I heard he tried to go for a gap that wasn't there

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A Rossi / Marques moment then